Corgi vs Embroker: How Do They Compare for Crime Insurance?

Both sell standalone crime. Corgi shows an illustrative $1,000,000 limit with a $10,000 amount you pay first on each loss, for fintech-style buyers; Embroker publishes no standard limits and prices on employee count, revenue and financial controls.

Corgi targets fintechs, payroll firms and marketplaces moving customer funds, with standalone coverage illustrated at $1 million; smaller businesses can add Embroker crime to a BOP or D&O policy. ^1,³

What Are the Key Differences Between Corgi and Embroker Crime Insurance?

A sponsor bank’s fidelity requirement may make Corgi’s startup focus useful; Embroker gives smaller businesses an additional way to buy crime as an endorsement. Embroker also lists exclusions for income loss and some coordinated executive crime, which deserve a direct check against your exposure. ¹ ³

Standalone Startup Form Versus Policy or Endorsement

Corgi sells standalone Crime & Fidelity to fintechs, payroll companies and marketplaces that move customer funds. Embroker sells standalone crime and says smaller businesses may add it to a BOP or directors and officers policy. Choose Corgi if your fintech or payroll business needs standalone crime for customer funds; choose Embroker if you are a smaller business adding crime to a BOP or D&O policy. ¹ ³

What Each Page Says Is In and Out

Corgi’s standard policy bundles employee dishonesty, social-engineering fraud, computer fraud, funds-transfer fraud, and forgery or alteration. Embroker lists employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud, and says the policy excludes loss of income, indirect losses, crimes by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. Corgi’s reviewed crime page does not publish that exclusion list. ¹ ³

Numbers and Fidelity Bonds

Corgi illustrates $1 million occurrence and aggregate with a $10,000 retention and a common $250,000 social-engineering sublimit. Embroker says pricing depends on headcount, locations, revenue, office security and financial controls, that fidelity bonds typically cost 0.5% to 2% of bond value, and it does not publish standard policy limits. Embroker also distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers. ¹ ³

What Should You Confirm in Corgi and Embroker Crime Insurance Quotes?

Ask Embroker whether crime is standalone or a BOP or D&O endorsement, and whether listed exclusions apply. ³

Corgi vs Embroker Crime Insurance Compared

Corgi vs Embroker: Crime Insurance: documented features by provider

Criteria	Corgi Crime & Fidelity	Embroker Commercial Crime Insurance
Limits and Retentions	Corgi's illustrative Crime & Fidelity structure shows a $1,000,000 per-occurrence and aggregate limit across its insuring agreements, with a $10,000 self-insured retention per occurrence. ¹Company-reported. Illustrative policy structure on the product page ('Anatomy of a $1M / $1M / $10K Crime & Fidelity Policy'); actual limits and retentions appear on the declarations and Corgi says standard limits scale with payment volume for growth-stage and at-scale companies.	Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. ³Company-reported. Product-page 'What does Commercial Crime insurance cost?' section.
Who It’s For	Corgi positions Crime & Fidelity primarily for fintechs, payroll companies and marketplaces that move customer funds, noting it is frequently required by sponsor banks and Banking-as-a-Service (BaaS) partners before a fintech can go live. ¹Company-reported. Industry-applicability section of the product page; other startups can also buy the policy, and eligibility for any given business depends on underwriting.	Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. ³Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.
Coverage Features	The standard policy bundles four insuring agreements: employee dishonesty, social engineering fraud (business email compromise), computer fraud, and funds transfer fraud, plus forgery and alteration of checks or drafts. ¹Company-reported. Coverage summary for form CORG-CRM-0100; the illustrated scenarios are examples, not a guarantee of coverage for a specific claim, and the issued policy controls. Social engineering fraud (business email compromise) is commonly sublimited to $250,000 against the $1 million policy aggregate, and Corgi conditions the sublimit on out-of-band verification controls for changes to vendor wire instructions. ¹Company-reported. Product-page scenario notes and FAQ; the exact sublimit and required controls are underwriting-dependent and confirmed on the declarations page. Corgi's Crime & Fidelity policy is written on a discovery basis, meaning coverage attaches when a loss is discovered during the policy period regardless of when the underlying dishonest act occurred, and it offers an optional discovery period of up to one year after termination to report a loss. ¹Company-reported. Product-page glossary and FAQ description of form CORG-CRM-0100.	Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ³Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ³Company-reported. Product-page What's not included section. Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ³Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.
Role in This Line	Corgi sells Crime & Fidelity as a standalone startup policy, describing it as first-party coverage that pays the company back when money (not data) is stolen through employee theft, social engineering, computer fraud, forgery or funds-transfer fraud. ¹Company-reported. Product page for form CORG-CRM-0100, last reviewed by Corgi on April 24, 2026 per the page itself.	Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ³Company-reported. Product-page description; not a statement about the issuing insurer.